An example. A made-up car, priced by the real engines. Back to the answer
Parts and labour
2019 Toyota Camry SE · 2 parts
Budget saves $325 and the car sits 11 days longer waiting for them.
The same repair, bought three ways. Airbags, belts, SRS modules and ADAS sensors stay factory in all three. On this build the most to pay for the car is $7,600.
- Front bumper coverAftermarket · your price book · 3 daystorn at the left corner$320Budget $140 · All OEM $780
- Headlight assembly, leftAftermarket · your price book · 3 dayslens cracked$240Budget $95 · All OEM $610
Labour
- Front bumper cover2.5 h + 3 h paint · easy
- Headlight assembly, left0.5 h · easy
- Front fender, left - blend1 h paint · hard
5.3 h of your time · a shop would book 3 h for the same work
The 1.75× between the two is the pace a first rebuild goes: looking it up, waiting on a part, doing the awkward one twice. A shop would charge about $396 for those hours.
- Paint and refinish - shop$528You said a shop sprays it. Colour matching and a booth are what that buys.